*Customers applying for the 0% five-year fixed loan special interest rate must make a minimum one-time down payment of $30,000, pass the risk assessment by the relevant agency, and agree to lease the completed garden suite properties to Quantum Garden Housing for a five-year operation period. It's important to note that Quantum Garden Housing cannot guarantee this special loan rate for every Garden Suite customer. For specific details, please consult one of our certified Gard